When people suffer from strokes, certain areas of their brains are damaged. Strokes can have potentially debilitating effects, and very often prevent people from returning to work after having one. Those who suffer from stokes may become impaired in any number of ways. Strokes are known to affect people’s speech, ability to chew and swallow, they affect people’s ability to move and feel properly, and can even limit people’s ability to reason, judge, and remember correctly.
This is why those who have recently suffered a stroke very often seek long term disability insurance to help cover the cost of their lost wages, medical bills, and more. If you or a loved one recently suffered a stroke and can no longer return to work as a result, please read on to learn more.
How can long term disability insurance benefit me or my family?
When a medical condition prevents you from returning to work for the foreseeable future or indefinitely, there is a very good chance you are now looking into long term disability insurance. Long term disability insurance can provide your family with either one lump-sum payment, or monthly insurance payments. Speaking with an experienced attorney can help you decide which is best for your situation. While these payments are designed to benefit those physically unable to return to work, insurance companies do not readily hand them out. An attorney who knows the ins and outs of the long term disability insurance claims process can help ensure you provide the most convincing case possible to win your claim.
What qualifies for long term disability insurance?
Your employer or insurer will tell you more about your policy if you ask. From there, you will file an insurance claim within 180 days. You must include several crucial documents and pieces of information proving your claim. For example, you may use medical records, MRI results, and doctor’s opinions detailing how your medical condition affects your daily life and therefore prevents you from returning to work.
What other medical conditions may qualify for long term disability insurance?
Several other medical conditions may warrant long term disability insurance, including, though certainly not limited to:
- Thyroid disorder
- Transient ischemic attacks
- Vision loss
- Cardiovascular disease
- Chronic pain
- Cognitive impairment
- Degenerative disc disease
- Mental health
- Alzheimer’s disease
- Back pain
- Breast cancer
- Carpal tunnel
- Chronic obstructive pulmonary disease
- Chron’s disease
Contact our experienced firm
If you or someone you know is looking to receive long term disability benefits and needs the help of an experienced attorney, contact Walker & Hern today.
Our firm has significant experience helping people just like you retain or defend their Long Term Disability Benefits. Contact Walker & Hern for a free consultation.